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  • #1

    EGG CREDIT CARD - AKTIV DCA

    Hi can anyone point me in the right direction with this please. Have EGG credit card debt will be Statute Barred approx Aug 2014. been to several DCA and sold to Aktiv. latest letter asking for payment in full etc - I sent £1 for a copy of my agreement but have now received a statement showing this £1 as a a payment!! It wasn't a payment it was the required fee for a copy of the agreement. Also attached to the statement is a "discount voucher " for almost two thirds of the debt!!

    I have seen on this site a section where there are examples of EGG unenforceable agreements - but can't find it - also is there a template letter disputing that the £1 was a payment?

    thanks
    Tags: account, accounts, addresses, april, bailiffs, card, cca, cca request, ccj, civil, claim, council, council tax, credit, credit card, credit card debt, creditor, customer, date, dca, debt, debts, egg, fine, letter, owed, payments, people, ppi, reclaim, rossendales, statute barred, tax, template, template letter, thank you, unenforceability, unenforceable, work
  • #2
    Re: EGG CREDIT CARD - AKTIV DCA

    Hiya

    Just write back and remind them that within your original CCA Request you clearly stated that the £1 was NOT to be used for any other reason than to satisfy your obligation under s.78 CCA1974 and demand that they immediately remove it as a credit to the account as that is not what you sent it for.

    They will do it and if not, at least you have proof that you requested it removed so it will not affect the SB date in 2014
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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    • #3
      Re: EGG CREDIT CARD - AKTIV DCA

      thanks - will do - much appreciated . I am thinking that possibly is unenforceable given the value of the "discount voucher" - I thought i had seen some examples on the forum??

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      • #4
        Re: EGG CREDIT CARD - AKTIV DCA

        Originally posted by TRAVELLER View Post
        thanks - will do - much appreciated . I am thinking that possibly is unenforceable given the value of the "discount voucher" - I thought i had seen some examples on the forum??
        some examples of...?

        don't presume it's UE based on other people's accounts; it doesn't work like that nor does the discount amount. The discount is usually valued against age of debt; payments received; likelihood of success and many more so they are unique to each account/customer.
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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        • #5
          Re: EGG CREDIT CARD - AKTIV DCA

          understood thank you - I will send for checking at some point thank you. I thought I had seen some EGG agreements on this site and other agreements labelled enforceable/unenforceable

          many thanks

          Comment

          • #6
            Re: EGG CREDIT CARD - AKTIV DCA

            Originally posted by TRAVELLER View Post
            understood thank you - I will send for checking at some point thank you. I thought I had seen some EGG agreements on this site and other agreements labelled enforceable/unenforceable

            many thanks
            Ahh you're on about the example agreements --> UPDATED - A Full Guide to Unenforceability - allaboutFORUMS

            Bottom post in that thread - but the images may no longer work as we didn't move them when we changed servers (I know, I know)...
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment

            • #7
              Re: EGG CREDIT CARD - AKTIV DCA

              haven't posted in a while as have moved house recently. Received today letter from Aktiv saying now passing on to Rossendales. Still awaiting copy agreement requested as in CCA sent to Aktiv in April 2013??

              Any help appreciated - should be SB around August this year - many thanks

              Comment

              • #8
                Re: EGG CREDIT CARD - AKTIV DCA

                ps - am worried as I understand they are bailiffs as well as DCA? can they try to get into my home?? thanks

                Comment

                • #9
                  Re: EGG CREDIT CARD - AKTIV DCA

                  Hiya bailiffs CANNOT get involved unless the creditor secured a CCJ that they have since went and enforced via HCEO. Civil debts do not allow bailiffs, different if you owed Council Tax, for instance (then bailiffs can call).....


                  Dont worry, you'll be fine.
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                  • #10
                    Re: EGG CREDIT CARD - AKTIV DCA

                    It may sound silly but have you checked to make sure that there is no ccj and is your post being redirected. I have read that some dcas send clsims to old addresses

                    Comment

                    • #11
                      Re: EGG CREDIT CARD - AKTIV DCA

                      I sent Rossendales a CCA with the £1 fee recorded delivery on 30th January . Today I received a "Notice of Visit" letter quite strongly worded ... "passed to one of our debt collectors who may visit your home within the next few days to obtain payment or discuss a repayment structure ... PLEASE TAKE NOTICE YOUR ACCOUNT WILL NOT BE OVERLOOKED>>>>"
                      This letter was dated before I sent the CCA. I have the template for "no doorstep visits" letter - is it best to send that please thanks

                      Comment

                      • #12
                        Re: EGG CREDIT CARD - AKTIV DCA

                        Originally posted by TRAVELLER View Post
                        I sent Rossendales a CCA with the £1 fee recorded delivery on 30th January . Today I received a "Notice of Visit" letter quite strongly worded ... "passed to one of our debt collectors who may visit your home within the next few days to obtain payment or discuss a repayment structure ... PLEASE TAKE NOTICE YOUR ACCOUNT WILL NOT BE OVERLOOKED>>>>"
                        This letter was dated before I sent the CCA. I have the template for "no doorstep visits" letter - is it best to send that please thanks
                        Will do no harm to send it.........
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                        • #13
                          Re: EGG CREDIT CARD - AKTIV DCA

                          will do thanks

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                          • #14
                            Re: EGG CREDIT CARD - AKTIV DCA

                            and even if they do pitch up, you don't have to answer the door or you can answer it and tell em to piss off....................they are not bailiffs and have about as much right to visit you as my giddy aunt..................

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                            • #15
                              Re: EGG CREDIT CARD - AKTIV DCA

                              .......and boy is MrsD's Aunt giddy!!
                              "If wishes were horses, beggars would ride"

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